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As the end of the tax year draws closer, investors have only 20 days left to take advantage of the generous tax breaks available on Individual Savings Accounts (Isas).

Last year 14.1 million people invested money in a cash or stocks and shares Isa, but that still means that more than half the UK’s 30 million taxpayers failed to take advantage of the chance to shelter some of their money under the Isa umbrella.

Putting money into Isas might seem a brave thing to do right now, with interest rates at historic lows and the stock market still looking volatile